8-K

UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, DC 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 OR 15(d) of the Securities Exchange Act of 1934

Date of Report (Date of earliest event reported): October 30, 2003

CREDIT ACCEPTANCE CORPORATION
(Exact Name of Registrant as Specified in its Charter)

Commission File Number 000-20202

Michigan (State or other jurisdiction of incorporation or organization)	38-1999511 (I.R.S. Employer Identification No.)
25505 W. Twelve Mile Road, Suite 3000 Southfield, Michigan (Address of Principal Executive Offices)	48034-8339 (Zip Code)

Registrant’s telephone number, including area code: (248) 353-2700

TABLE OF CONTENTS

Press Release, dated October 30, 2003

Item 5. Other Events and Regulation FD Disclosure.

     On October 30, 2003, Credit Acceptance Corporation (the “Company”), issued a press release announcing the delay of its third quarter earnings until the conclusion of a desk review of its periodic reports by the Securities and Exchange Commission. The press release, dated October 30, 2003, is attached as Exhibit 99.1 to this Form 8-K.

Item 7. Financial Statements and Exhibits.

     (c) Exhibits.

99.1 Press Release dated October 30, 2003

SIGNATURES

     Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

CREDIT ACCEPTANCE CORPORATION
(Registrant)

By: /s/ Douglas W. Busk
Douglas W. Busk
Chief Financial Officer and Treasurer
November 4, 2003

INDEX OF EXHIBITS

Exhibit No.	Description
99.1	Press Release dated October 30, 2003.

EX-99.1 3 k80574exv99w1.htm PRESS RELEASE, DATED OCTOBER 30, 2003

Exhibit 99.1

Silver Triangle Building
25505 West Twelve Mile Road · Suite 3000
Southfield, MI 48034-8339
(248) 353-2700
www.creditacceptance.com

NEWS RELEASE

Date:	October 30, 2003
FOR IMMEDIATE RELEASE
Investor Relations:	Douglas W. Busk Chief Financial Officer (248) 353-2700 Ext. 432 IR@creditacceptance.com
NASDAQ Symbol:	CACC

CREDIT ACCEPTANCE ANNOUNCES
DELAY IN THIRD QUARTER EARNINGS RELEASE

Southfield, Michigan — October 30, 2003 — Credit Acceptance Corporation (NASDAQ:CACC) Credit Acceptance Corporation announced today that its third quarter earnings announcement will occur following the conclusion of a desk review of its periodic reports by the Securities and Exchange Commission. Although the Company may reclassify certain balance sheet items in connection with the review, it is currently not aware of any issues that would adversely impact its previously reported financial results or shareholders’ equity.

Description of Credit Acceptance Corporation

Credit Acceptance is a financial services company specializing in products and services for a network of automobile dealer-partners. Credit Acceptance provides its dealer-partners with financing sources for consumers with limited access to credit and delivers credit approvals instantly through the internet. Other dealer-partner services include marketing, sales training and a wholesale purchasing cooperative. Through its financing program, Credit Acceptance helps consumers change their lives by providing them an opportunity to strengthen and reestablish their credit standing by making timely monthly payments. Credit Acceptance is publicly traded on the NASDAQ National Market under the symbol CACC. For more information, visit www.creditacceptance.com.

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EX-99.1

exv99w1